Resolve Pay, Fundbox, and Invoiced represent different approaches to B2B payment challenges. Resolve Pay delivers a complete net terms financing solution combining non-recourse invoice advances, embedded payment workflows, and AI-powered accounts receivable automation. Fundbox operates as a working capital provider with revolving credit access, while Invoiced focuses on accounts receivable software. Understanding how each platform addresses cash flow management helps B2B companies choose infrastructure that supports growth and operational control.
Resolve Pay positions itself as a complete B2B payments platform combining embedded net terms, accounts receivable automation, invoice advance payments, and B2B Buy Now Pay Later workflows. The company spun out of Affirm in 2018 and focuses on helping merchants grow B2B sales, get paid faster, and reduce risk by streamlining net terms, receivables, and payment operations.
Resolve Pay is designed for sellers that want to offer business buyers flexible terms without turning finance teams into internal lenders. The platform supports credit assessment, underwriting, collections workflows, payment processing, invoice advances, and integrations across ecommerce, ERP, and accounting systems.
Fundbox operates as a working capital provider for small and medium-sized businesses, with financing designed for general business needs. Companies may use Fundbox to support inventory, payroll, equipment, operating expenses, or short-term cash flow needs.
Fundbox can be useful for businesses that need flexible capital access. Its core role is financing the business applying for capital, not managing buyer credit programs or receivables workflows for sellers.
Invoiced focuses on accounts receivable automation and order-to-cash workflows. The platform helps businesses manage invoicing, collections, customer payment portals, reporting, and payment follow-up. Invoiced was acquired by Flywire in 2024 as part of Flywire’s broader B2B payments and receivables strategy.
Invoiced serves finance teams that want to improve receivables operations and reduce manual work. It is primarily an AR software platform, while Resolve Pay combines AR automation with net terms financing, buyer credit workflows, and embedded payment infrastructure.
Resolve Pay supports QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and API-based workflows through its integration platform.
Resolve Pay is best for B2B businesses seeking net terms financing, payment workflows, buyer credit decisioning, and receivables automation in one platform.
Resolve Pay represents the strongest option when the business priority combines offering competitive payment terms with maintaining healthier cash flow. The platform enables suppliers to extend net terms while receiving advance payment on approved invoices through a non-recourse structure. This addresses a core B2B challenge: buyers often expect flexible terms, while sellers still need predictable cash flow.
Resolve Pay consolidates multiple workflows into one operating model: buyer credit approvals, payment processing, collections support, invoice advancement, and accounting reconciliation.
Resolve Pay also occupies a different risk position compared to traditional receivables management. Its non-recourse financing on approved invoices means merchants keep approved advances even if the approved buyer does not pay. Combined with business credit checks and native ecommerce integrations, Resolve Pay gives sellers a stronger foundation for offering terms responsibly.
Resolve Pay helps B2B sellers offer competitive payment terms while maintaining healthier cash flow through structured advance payment on approved invoices. The platform connects credit decisioning, invoice advancement, payment processing, collections, and accounting reconciliation in one integrated workflow.
This unified approach supports sales, finance, ecommerce, and operations teams with consistent data and processes.
The platform's ecommerce checkout integrations enable net terms at the point of sale, creating a smoother buyer experience for B2B purchasing. The combination of non-recourse protection, automation, and native integrations distinguishes Resolve Pay's approach to B2B payments.
Resolve Pay works best for suppliers, distributors, manufacturers, wholesalers, and B2B ecommerce businesses that want to win larger orders through flexible payment terms while protecting cash flow. The platform particularly benefits companies where finance, AR, ecommerce, and ERP stakeholders need coordinated systems for credit evaluation, invoice management, payment processing, and accounting reconciliation.
Businesses with established B2B revenue seeking to transform net terms from a cash flow challenge into a competitive advantage find strong alignment with Resolve Pay's integrated approach. Sellers can also explore net terms management when they want a structured way to manage credit checks, payment reminders, collections, and buyer payment experiences.
Fundbox operates as a working capital provider serving small and medium-sized businesses across diverse industries. The platform has served businesses since 2013, focusing on accessible credit products with streamlined application workflows.
Fundbox's model centers on business financing that companies can use for different operational needs. The platform emphasizes speed and simplicity, with an approval process designed to reduce application complexity. Businesses may use funds for inventory, equipment, payroll, or other working capital requirements.
Fundbox serves businesses seeking fast access to working capital without a specific focus on net terms management or accounts receivable automation. Its approach suits companies that need operational funding across multiple expense categories.
For B2B sellers whose main challenge is offering terms to buyers while getting paid faster, Resolve Pay provides a more specialized path because it connects buyer credit, invoice advances, collections support, and payment workflows around the receivables process.
Invoiced provides accounts receivable automation software for businesses seeking to streamline invoice management and collections processes. The platform helps finance teams automate repetitive AR tasks, manage customer payment experiences, and monitor receivables performance.
Invoiced's capabilities center on invoice generation, payment reminders, collections workflows, customer payment portals, and reporting. It also integrates with accounting systems commonly used by finance teams.
Invoiced serves businesses seeking AR process improvements without making financing the center of the platform.
For sellers that need both automation and faster cash access on approved invoices, Resolve Pay provides a broader payment infrastructure by combining AR automation with net terms financing, buyer credit workflows, and embedded payment options.
B2B companies offering net terms face a specific challenge: they need to make buying easier for customers while keeping their own cash flow predictable. Resolve Pay's integrated approach is valuable because it connects the workflows that typically sit across separate tools, teams, and vendors.
Resolve Pay's platform addresses several needs at once:
This creates a more connected operating model for finance teams and brings more of the receivables lifecycle into a single platform.
Resolve Pay's non-recourse structure helps sellers reduce exposure on approved invoices. When an approved buyer defaults, the merchant keeps the approved advance and Resolve Pay absorbs the loss tied to that approved transaction. This structure is different from many financing arrangements where the seller remains responsible for repayment if the customer does not pay.
That matters in B2B commerce because credit risk, late payments, and payment timing can directly affect working capital. Resolve Pay allows sellers to offer terms while shifting much of the credit assessment, underwriting, collections, and repayment risk into a managed platform.
Resolve Pay also supports B2B ecommerce teams that want to offer net terms directly at checkout. Through net terms ecommerce, eligible buyers can apply for terms in the purchase flow, while sellers can maintain a branded experience.
This helps bridge the gap between modern digital buying expectations and the realities of B2B purchasing. Business buyers often need purchase approvals, invoice-based payment options, and flexible terms. Resolve Pay helps sellers support those expectations without relying on manual credit reviews or disconnected payment processes.
Flexible terms can help sales teams close larger or more frequent orders, but finance teams need controls around credit risk, cash timing, and collections. Resolve Pay gives both teams a shared system for managing terms.
Sales teams benefit from a smoother buyer experience, finance teams gain better receivables visibility, and operations teams reduce duplicate data entry across ecommerce, ERP, and accounting systems.
This alignment is one reason Resolve Pay is positioned as a modern alternative to traditional factoring. Businesses that want a more integrated approach can also compare Resolve Pay's model with a factoring alternative built around branded buyer experiences and embedded credit workflows.
Effective cash flow management requires addressing both timing and risk. Payment terms can help sellers win and retain B2B customers, but longer payment windows can also create working capital gaps. Federal Reserve payments research continues to track how business payment channels evolve, reinforcing the importance of reliable payment infrastructure.
Resolve Pay's approach helps transform the cash conversion cycle by providing advances on approved invoices. Buyers receive net terms, while sellers operate on a faster cash timeline. This structure enables businesses to meet buyer expectations for payment flexibility without absorbing the full burden of waiting for every invoice to mature.
The non-recourse protection further supports cash flow predictability on approved transactions.
Beyond financing, Resolve Pay's automation reduces the operational burden of receivables management. AI agents, automated payment reminders, and coordinated follow-up workflows help finance teams manage routine AR tasks with fewer manual steps.
Many businesses start with general invoicing tools before recognizing the need for specialized B2B payment capabilities. The difference becomes clear as transaction volumes, buyer credit needs, and integration requirements increase.
Resolve Pay's B2B-specific design addresses challenges that general tools may not fully cover. Buyer credit underwriting, non-recourse invoice advances, extended payment terms, and collections workflows reflect the operational reality of business-to-business commerce. US Census ecommerce data shows how digital commerce continues to play a major role in business activity, which makes embedded payment infrastructure increasingly important for sellers moving more transactions online.
Resolve Pay's integration capabilities reflect the technology environments common in B2B operations. Native connections to ERP and accounting platforms, ecommerce plugins, and API options help sellers connect payment workflows to the systems they already use.
Resolve Pay supports both seller-facing and buyer-facing workflows. Sellers can learn more through Resolve for sellers, while buyers can use Resolve for buyers to understand how payment terms and buyer dashboards support their purchasing experience.
Resolve Pay is the strongest fit for B2B sellers that want to offer net terms, get paid faster on approved invoices, reduce receivables workload, and manage buyer credit risk through a purpose-built platform.
Fundbox is centered on working capital financing for the business applying for funds. Invoiced is centered on receivables automation and order-to-cash workflows. Resolve Pay brings together the capabilities B2B sellers need when payment terms are part of the growth strategy: embedded credit, invoice advance payments, branded buyer payment portals, AR automation, collections support, and integrations across ecommerce and accounting systems.
For manufacturers, wholesalers, distributors, and B2B ecommerce companies, the bigger opportunity is to turn net terms into a scalable sales and cash flow strategy. Resolve Pay supports that goal by helping sellers give buyers more purchasing flexibility while maintaining better control over cash timing, risk, and receivables operations.
Resolve Pay provides non-recourse invoice advances on approved transactions. If an approved buyer does not pay, the merchant keeps the approved advance and Resolve Pay absorbs the loss tied to that approved transaction. This helps sellers offer net terms while reducing the cash flow and credit risk exposure that often comes with extending payment terms directly.
Yes. Resolve Pay integrates with major accounting, ERP, and ecommerce systems, including QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and API-based workflows. These integrations help sync invoice, payment, and reconciliation data across the seller's existing financial stack.
Resolve Pay primarily serves B2B sellers such as manufacturers, distributors, wholesalers, suppliers, and B2B ecommerce companies. It is especially useful for businesses that sell to other businesses on invoice-based terms and want to offer flexible payment options without taking on more manual credit, collections, and receivables work.
Resolve Pay can provide advance payment on approved invoices within a day, depending on the transaction and approval workflow. This helps sellers shorten the cash flow gap that typically comes with Net 30, Net 60, or longer buyer payment terms.
Yes. Resolve Pay supports branded buyer payment portals that help sellers maintain customer relationships while offering modern payment options. Buyers can view invoices, payment terms, credit information, and payment options through a seller-branded experience.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.